<ARTICLE> 9
<LEGEND> 
THIS  SCHEDULE  CONTAINS  SUMMARY  FINANCIAL   INFORMATION  EXTRACTED  FROM  THE
CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION, INCOME, CHANGES IN STOCKHOLDERS'
EQUITY AND NOTES TO CONSOLIDATED  FINANCIAL STATEMENTS AT, OR FOR THE SIX MONTHS
ENDED  DECEMBER 31, 1998,  AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH
FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER>                              1,000
       
                             
<PERIOD-TYPE>                             6-MOS
<FISCAL-YEAR-END>                   JUN-30-1999
<PERIOD-START>                      JUL-01-1998
<PERIOD-END>                        DEC-31-1998
<CASH>                                      843
<INT-BEARING-DEPOSITS>                    4,075
<FED-FUNDS-SOLD>                              0
<TRADING-ASSETS>                              0
<INVESTMENTS-HELD-FOR-SALE>              27,291
<INVESTMENTS-CARRYING>                  124,513
<INVESTMENTS-MARKET>                    124,950
<LOANS>                                 152,537
<ALLOWANCE>                               1,856
<TOTAL-ASSETS>                          320,384
<DEPOSITS>                              168,788
<SHORT-TERM>                             22,150
<LIABILITIES-OTHER>                       3,295                
<LONG-TERM>                              91,500
<PREFERRED-MANDATORY>                         0
<PREFERRED>                                   0
<COMMON>                                     37              
<OTHER-SE>                               32,554
<TOTAL-LIABILITIES-AND-EQUITY>          320,384
<INTEREST-LOAN>                           6,378
<INTEREST-INVEST>                         4,855
<INTEREST-OTHER>                             32
<INTEREST-TOTAL>                         11,265
<INTEREST-DEPOSIT>                        3,351
<INTEREST-EXPENSE>                        6,252
<INTEREST-INCOME-NET>                     5,013
<LOAN-LOSSES>                                 0
<SECURITIES-GAINS>                           36
<EXPENSE-OTHER>                           2,174
<INCOME-PRETAX>                           3,103
<INCOME-PRE-EXTRAORDINARY>                3,103
<EXTRAORDINARY>                               0
<CHANGES>                                     0
<NET-INCOME>                              1,933
<EPS-PRIMARY>                              0.54
<EPS-DILUTED>                              0.54
<YIELD-ACTUAL>                             3.21
<LOANS-NON>                                 685
<LOANS-PAST>                                  0
<LOANS-TROUBLED>                              0
<LOANS-PROBLEM>                               0
<ALLOWANCE-OPEN>                          1,856
<CHARGE-OFFS>                                 0
<RECOVERIES>                                  0
<ALLOWANCE-CLOSE>                         1,856
<ALLOWANCE-DOMESTIC>                      1,113
<ALLOWANCE-FOREIGN>                           0
<ALLOWANCE-UNALLOCATED>                     743